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Residential Secure Income plc (RESI) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Residential Secure Income plc £0.16, price £0.07, upside +111.3%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Real Estate · GB · ISIN GB00BYSX1508

RS Thin data Sep 23, 2026

Residential Secure Income plc

RESI · LSE

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value £0.1572 · Strongly undervalued (+111%)
!Quality 58/100
!Mixed Growth (revenue 5y +36.7 %/yr)
!Loss-making · -5.5% net margin (TTM)
✓generates free cash flow
·7.45% dividend yield
✓Ranks above peers (8/11)
!Narrow moat 43/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

£0.3215 £0.0710 Fair Value £0.1572 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range £0.0710 – £0.3215 · fair‑value band £0.1112 – £0.2158 · the £0.0744 price screens below the £0.1572 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Residential Secure Income plc is a real estate investment trust (REIT) focused on delivering secure, inflation-linked returns. With a focus on two residential sub-sectors in UK residential - independent retirement rentals and shared ownership - underpinned by an ageing demographic and untapped and strong demand for affordable home ownership.

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Residential Secure Income plc is a real estate investment trust (REIT) focused on delivering secure, inflation-linked returns. With a focus on two residential sub-sectors in UK residential - independent retirement rentals and shared ownership - underpinned by an ageing demographic and untapped and strong demand for affordable home ownership. ReSI plc's purpose is to deliver affordable, high-quality, safe homes with great customer service and long-term stability of tenure for residents. We achieve this through meeting demand from housing developers, housing associations, local authorities, and private developers for long-term investment partners to accelerate the development of socially and economically beneficial affordable housing. ReSI plc's subsidiary, ReSI Housing Limited, is registered as a for-profit Registered Provider of social housing and so provides a unique proposition to its housing developer partners, being a long-term private sector landlord within the social housing regulatory environment. As a Registered Provider, ReSI Housing can acquire affordable housing subject to s106 planning restrictions and housing funded by government grant. In December 2024, shareholders voted for and accepted a new investment objective which seeks to realize all the existing assets in the Company's portfolio in an orderly manner. The Company will pursue its investment objective by effecting an orderly realization of its assets while seeking to balance maximizing returns for Shareholders against timing of disposals whilst ensuring the interests of residents are protected. Capital expenditure will be permitted where it is deemed necessary or desirable in connection to the realization, primarily where such expenditure is necessary to protect or enhance an asset's realizable value, to comply with statutory or regulatory obligations, to protect other stakeholders, to comply with the terms of any funding arrangement or to facilitate orderly disposals. Residential Secure Income plc was incorporated in 2017 in United Kingdom.

Stock analysis

Residential Secure Income plc (RESI) currently trades at £0.0744, while our model-based Fair Value estimate is £0.1572, implying the stock looks roughly 52.7% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of £1.37 per share, and 10 of the 10 models we run sit above the £0.0744 price.

Bear case: the Dividend Discount group reads lowest at £0.4600, and 0 of the 10 models stay below the price. Evidence for this calculation is low.

Scenario range: £0.1112 (bear) to £0.2158 (bull), the price of £0.0744 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Real Estate sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Residential Secure Income plc reported revenue of £29.8M in FY2025 versus £13.5M in FY2021, a compound +21.9%/yr. Reported net income was −£9.1M in FY2025.

Key figures

Market cap 16.7M GBX · P/S ratio 3.42 · EPS (TTM) £−0.0100 · Dividend yield 7.5% · Net margin −30.6% · Return on equity −1.2% · Return on assets (EBIT) 1.7% · Operating margin 51.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 74% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Real Estate peers we cover trades at 2% fair-value upside, at 111%, RESI screens cheaper than that median.

Fair Value models

Bear £0.1112 Fair Value £0.1572 Bull £0.2158
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF £0.9700 £1.46 £2.14 78
Growth DCF £0.9600 £1.40 £1.95 76
Rev-Margin DCF £0.8500 £1.32 £1.90 70
All 10 models by family
DCF Models
FCF DCF £0.9700 £1.46 £2.14 78
5Y Revenue Exit £0.8700 £1.37 £2.02 69
10Y Revenue Exit £0.8800 £1.32 £1.94 64
Dividend Discount
Gordon GGM £0.2900 £0.4800 £0.6200 68
DDM Multi-Stage £0.2900 £0.4600 £0.5200 67
Multiples
EV/EBIT £1.46 £1.94 £2.41 63
EV/Revenue £0.8300 £1.16 £1.50 51
Asset-Based
NCAV (Graham) £0.3600 £0.4900 £0.7200 51
Growth DCF
Growth DCF £0.9600 £1.40 £1.95 76
Rev-Margin DCF £0.8500 £1.32 £1.90 70

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Quality Score breakdown

Overall quality 58/100

Of which business quality 57 · Market factors (momentum, volatility) 15

Profitability 4
Margins and returns on capital today
Quality Growth 34
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 45
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 0
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 77
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 52/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−2.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+36.7%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
90.3% (2019) → 30.8% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Residential · 43 stocks

Beats the industry median on 8/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 59 · Top 25%
Fair Value upside +112% · Top 25%
Profitability
Return on assets 3% · Top 25%
Net margin (TTM) −5% · Bottom 25%
Operating margin (TTM) 51% · Top 25%
Growth and dividend
Revenue growth 0% · Bottom 25%
Dividend yield (TTM) 7.5% · Top 25%

Valuation Multiplesvs REIT - Residential median · lower = cheaper

P/B 0.16× · Cheapest 25%
P/S (TTM) 0.74× · Cheapest 25%
P/FCF 1.6× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 36
FUTURE (revenue growth)0 · sector 10
PAST (return on equity)0 · sector 6
HEALTH (low debt)0 · sector 60
DIVIDEND (yield)100 · sector 83

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more REIT - Residential stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Essex Property Trust, Inc ESS $273.47 $288.20 +5%
Mid-America Apartment Communities, Inc MAA $117.78 $120.44 +2%
Sun Communities, Inc SUI $113.77 $150.48 +32%
UDR, Inc UDR $34.10 $34.33 +1%
American Homes 4 Rent (AMH or the General Partner) AMH $31.28 $53.11 +70%
Equity LifeStyle Properties, Inc ELS $60.26 $30.57 −49%
Camden Property Trust, an S&P 500 Company CPT $97.68 $60.42 −38%
Millrose Properties, Inc MRP $28.73 $41.87 +46%
Independence Realty Trust, Inc IRT $14.76 $12.60 −15%
Altarea SCA ALTA €84.90 €35.06 −59%

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Residential Secure Income plc · Fair Value
£0.1572 +53%Fair Value
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Cite: Fair Value Calculator (2026). "Residential Secure Income plc Fair Value". https://www.fairvalue-calculator.com/stock/RESI

Frequently asked questions

Is Residential Secure Income plc (RESI) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of £0.1572 versus a price of £0.0744, about +111% upside (undervalued).
What is the fair value of RESI?
Our model-based fair value for Residential Secure Income plc is £0.1572 (as of Sep 23, 2026), built from audited fundamentals. The current price: £0.0744.
What is the quality score of RESI?
Residential Secure Income plc has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Residential Secure Income plc (RESI)?
Our model-based price target is the fair value of £0.1572 (as of Sep 23, 2026) from 10 valuation models. Cautious scenario £0.1112, optimistic scenario £0.2158. It is a calculation from audited fundamentals, not an analyst target.
What is the Residential Secure Income plc stock forecast for 2026?
Our models put fair value at £0.1572, about +111% upside versus a price of £0.0744 (undervalued). Cautious scenario £0.1112, optimistic scenario £0.2158. The calculation is refreshed regularly with new filings.
What is the revenue of Residential Secure Income plc (RESI)?
Residential Secure Income plc reported trailing-twelve-month revenue of about £29.8M (latest available figure, as of Sep 23, 2026).
Does Residential Secure Income plc pay a dividend?
Residential Secure Income plc currently shows a dividend yield of about 7.45% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Residential Secure Income plc (RESI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Residential Secure Income plc it is £0.1572 per share (as of Sep 23, 2026), against a price of £0.0744. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Residential Secure Income plc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, RESI trades below its calculated fair value: price £0.0744, fair value £0.1572, a gap of about +111% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RESI?
No. The price is what the market pays today (£0.0744); the fair value is what the company's own numbers justify (£0.1572). For Residential Secure Income plc the two are £0.0828 per share apart. That gap is exactly why we show both numbers side by side.
How much is Residential Secure Income plc worth?
The market values Residential Secure Income plc at about 16.7M GBX (market capitalisation, as of Sep 23, 2026). Per share that is £0.0744; our models calculate a fair value of £0.1572 per share.
What do the bullish and bearish scenarios say about RESI?
Our models span a range for Residential Secure Income plc: cautious scenario £0.1112, base £0.1572, optimistic £0.2158 per share (as of Sep 23, 2026, price £0.0744). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Residential Secure Income plc (RESI)?
Balance-sheet figures for Residential Secure Income plc (as of Sep 23, 2026): return on equity −1.2%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is RESI from its 52-week high?
Residential Secure Income plc trades at £0.0744, about 74% below its 52-week high of £0.2812 and 5% above the low of £0.0710 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of £0.1572 is for.
Which stocks are comparable to Residential Secure Income plc?
From the same area (Real Estate) we also value Essex Property Trust, Inc, Mid-America Apartment Communities, Inc, Sun Communities, Inc, UDR, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Residential Secure Income plc stock attractive at the current price?
The data as of Sep 23, 2026: price £0.0744, calculated fair value £0.1572 (+111%), Quality Score 58/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RESI calculated?
We run Residential Secure Income plc through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £0.1572, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Residential Secure Income plc currently trades 111 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Residential Secure Income plc (RESI)?
The closing price on Sep 24, 2026 was £0.0744. Our model-based fair value is £0.1572, about +111% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Residential Secure Income plc right now?
The price is below even our cautious bear case (£0.1112). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (£0.1112 to £0.2158) leaves room in how you read the outcome.

Key figures of Residential Secure Income plc

How large is the market capitalisation of Residential Secure Income plc (RESI)?
The market capitalisation of Residential Secure Income plc is 16.7M GBX. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Residential Secure Income plc (RESI)?
The price-to-sales ratio of Residential Secure Income plc is 3.42 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Residential Secure Income plc (RESI)?
Earnings per share at Residential Secure Income plc are £−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Residential Secure Income plc (RESI)?
The dividend yield of Residential Secure Income plc is 7.5%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Residential Secure Income plc (RESI)?
The net margin of Residential Secure Income plc is −30.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Residential Secure Income plc (RESI)?
The return on equity (ROE) of Residential Secure Income plc is −1.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Residential Secure Income plc (RESI)?
On an EBIT basis the return on assets of Residential Secure Income plc is 1.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Residential Secure Income plc (RESI)?
The operating margin of Residential Secure Income plc is 51.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Residential Secure Income plc (RESI)?
Revenue at Residential Secure Income plc is growing −0.3% versus a year earlier (3y avg +24.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Residential Secure Income plc (RESI)?
Earnings per share at Residential Secure Income plc are growing −94.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Residential Secure Income plc (RESI) generate?
The free cash flow of Residential Secure Income plc is 14.2M GBX (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Residential Secure Income plc (RESI) hold?
Residential Secure Income plc holds more cash than debt, 7.6M GBX net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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